 Download XLS |
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2007 |
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Retail |
Merchant & |
Merchant & |
|
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|
|
Retail |
Banking |
Private |
Private |
|
|
|
|
Banking |
Asset |
Banking |
Banking |
Other |
|
Total |
|
Network |
Management |
Clients |
Skills |
Banking |
Eliminations |
Banking |
Income |
|
|
|
|
|
|
|
Interest income |
12,079 |
27 |
10,040 |
109,562 |
22,196 |
(61,251) |
92,653 |
Interest expense |
(9,382) |
(37) |
(8,144) |
(108,840) |
(22,239) |
61,256 |
(87,386) |
Net interest income |
2,697 |
(10) |
1,896 |
722 |
(43) |
5 |
5,267 |
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|
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Fee and commission income |
951 |
991 |
916 |
1,191 |
257 |
(63) |
4,243 |
Fee and commission expense |
146 |
(555) |
(74) |
(478) |
(275) |
58 |
(1,178) |
Net fee and commission income |
1,097 |
436 |
842 |
713 |
(18) |
(5) |
3,065 |
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Insurance premiums |
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|
9 |
|
9 |
Dividend, share in result of associates and joint ventures and other investment income |
8 |
10 |
19 |
172 |
299 |
|
508 |
Realised capital gains (losses) on investments |
64 |
|
30 |
166 |
576 |
45 |
881 |
Other realised and unrealised gains and losses |
49 |
11 |
123 |
855 |
237 |
3 |
1,278 |
Other income |
497 |
5 |
275 |
191 |
(628) |
(37) |
303 |
Total income, net of interest expense |
4,412 |
452 |
3,185 |
2,819 |
432 |
11 |
11,311 |
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Change in impairments |
(142) |
(9) |
123 |
(2,790) |
(11) |
(6) |
(2,835) |
Net revenues |
4,270 |
443 |
3,308 |
29 |
421 |
5 |
8,476 |
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Expenses |
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Staff expenses |
(1,146) |
(174) |
(658) |
(716) |
(865) |
(467) |
(4,026) |
Depreciation and amortisation of tangible and intangible assets |
(23) |
(13) |
(14) |
(54) |
(252) |
(25) |
(381) |
Other expenses |
(459) |
(101) |
(203) |
(384) |
(1,265) |
(230) |
(2,642) |
Insurance claims and benefits |
|
|
|
|
(4) |
|
(4) |
Allocation expense |
(1,331) |
(12) |
(864) |
(629) |
2,119 |
717 |
|
Total expenses |
(2,959) |
(300) |
(1,739) |
(1,783) |
(267) |
(5) |
(7,053) |
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Profit before taxation |
1,311 |
143 |
1,569 |
(1,754) |
154 |
|
1,423 |
Income tax expense |
(309) |
(35) |
(336) |
1,035 |
4 |
|
359 |
Net profit before minority interests |
1,002 |
108 |
1,233 |
(719) |
158 |
|
1,782 |
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Net profit attributable to minority interests |
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|
14 |
|
14 |
Net profit attributable to shareholders |
1,002 |
108 |
1,233 |
(719) |
144 |
|
1,768 |
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Net revenues from external customers |
2,648 |
464 |
4,190 |
342 |
3,046 |
|
10,690 |
Net revenues internal |
1,622 |
(21) |
(882) |
(313) |
(2,625) |
5 |
(2,214) |
Net revenues |
4,270 |
443 |
3,308 |
29 |
421 |
5 |
8,476 |
Non-cash expenses (excl. depreciation & amortisation) |
176 |
|
82 |
1,455 |
(23) |
|
1,690 |
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2006 |
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Retail |
Merchant & |
Merchant & |
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Retail |
Banking |
Private |
Private |
|
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|
Banking |
Asset |
Banking |
Banking |
Other |
|
Total |
|
Network |
Management |
Clients |
Skills |
Banking |
Eliminations |
Banking |
Income |
|
|
|
|
|
|
|
Interest income |
9,916 |
29 |
7,169 |
67,981 |
14,382 |
(29,280) |
70,197 |
Interest expense |
(7,241) |
(29) |
(5,652) |
(67,359) |
(14,110) |
29,280 |
(65,111) |
Net interest income |
2,675 |
|
1,517 |
622 |
272 |
|
5,086 |
|
|
|
|
|
|
|
|
Fee and commission income |
1,225 |
795 |
874 |
901 |
125 |
(336) |
3,584 |
Fee and commission expense |
(209) |
(449) |
(101) |
(263) |
(127) |
329 |
(820) |
Net fee and commission income |
1,016 |
346 |
773 |
638 |
(2) |
(7) |
2,764 |
|
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Insurance premiums |
|
|
|
|
12 |
|
12 |
Dividend, share in result of associates and joint ventures and other investment income |
15 |
3 |
17 |
125 |
127 |
|
287 |
Realised capital gains (losses) on investments |
10 |
|
46 |
94 |
426 |
|
576 |
Other realised and unrealised gains and losses |
39 |
6 |
(16) |
1,010 |
300 |
|
1,339 |
Other income |
664 |
6 |
370 |
151 |
(856) |
(75) |
260 |
Total income, net of interest expense |
4,419 |
361 |
2,707 |
2,640 |
279 |
(82) |
10,324 |
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Change in impairments |
(151) |
1 |
10 |
(31) |
13 |
|
(158) |
Net revenues |
4,268 |
362 |
2,717 |
2,609 |
292 |
(82) |
10,166 |
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Expenses |
|
|
|
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Staff expenses |
(1,107) |
(142) |
(554) |
(572) |
(890) |
(360) |
(3,625) |
Depreciation and amortisation of tangible and intangible assets |
(30) |
(8) |
(13) |
(38) |
(244) |
(17) |
(350) |
Other expenses |
(411) |
(79) |
(197) |
(388) |
(1,198) |
(61) |
(2,334) |
Insurance claims and benefits |
|
|
|
|
(6) |
|
(6) |
Allocation expense |
(1,371) |
(11) |
(758) |
(425) |
2,045 |
520 |
|
Total expenses |
(2,919) |
(240) |
(1,522) |
(1,423) |
(293) |
82 |
(6,315) |
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Profit before taxation |
1,349 |
122 |
1,195 |
1,186 |
(1) |
|
3,851 |
Income tax expense |
(362) |
(33) |
(298) |
20 |
(19) |
|
(692) |
Net profit before minority interests |
987 |
89 |
897 |
1,206 |
(20) |
|
3,159 |
Net profit attributable to minority interests |
|
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|
4 |
6 |
|
10 |
Net profit attributable to shareholders |
987 |
89 |
897 |
1,202 |
(26) |
|
3,149 |
|
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|
|
|
|
|
Net revenues from external customers |
2,390 |
365 |
3,287 |
237 |
3,708 |
|
9,987 |
Net revenues internal |
1,878 |
(3) |
(570) |
2,372 |
(3,416) |
(82) |
179 |
Net revenues |
4,268 |
362 |
2,717 |
2,609 |
292 |
(82) |
10,166 |
Non-cash expenses (excl. depreciation & amortisation) |
(89) |
|
(167) |
(1,063) |
590 |
|
(1,909) |
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2005 |
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Commercial |
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Retail |
Merchant |
& Private |
Other |
|
Total |
|
|
banking |
banking |
banking |
banking |
Eliminations |
Banking |
Income |
|
|
|
|
|
|
|
Interest income |
|
10,380 |
65,550 |
4,324 |
14,188 |
(29,747) |
64,695 |
Interest expense |
|
(7,913) |
(64,786) |
(3,293) |
(13,797) |
29,747 |
(60,042) |
Net interest income |
|
2,467 |
764 |
1,031 |
391 |
|
4,653 |
|
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|
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Fee and commission income |
|
1,623 |
654 |
759 |
(22) |
(120) |
2,894 |
Fee and commission expense |
|
(531) |
(195) |
(57) |
59 |
120 |
(604) |
Net fee and commission income |
|
1,092 |
459 |
702 |
37 |
|
2,290 |
|
|
|
|
|
|
|
|
Insurance premiums |
|
|
|
|
13 |
|
13 |
Dividend, share in result of associates and joint ventures and other investment income |
|
16 |
114 |
39 |
107 |
(17) |
259 |
Realised capital gains (losses) on investments |
|
63 |
318 |
16 |
353 |
(38) |
712 |
Other realised and unrealised gains and losses |
|
43 |
527 |
62 |
127 |
46 |
805 |
Other income |
|
513 |
126 |
238 |
(574) |
(44) |
259 |
Total income, net of interest expense |
|
4,194 |
2,308 |
2,088 |
454 |
(53) |
8,991 |
|
|
|
|
|
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|
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Change in impairments |
|
(130) |
107 |
(153) |
(33) |
|
(209) |
Net revenues |
|
4,064 |
2,415 |
1,935 |
421 |
(53) |
8,782 |
|
|
|
|
|
|
|
|
Expenses |
|
|
|
|
|
|
|
Staff expenses |
|
(1,111) |
(603) |
(566) |
(1,090) |
|
(3,370) |
Depreciation and amortisation of tangible and intangible assets |
|
(15) |
(8) |
(31) |
(254) |
|
(308) |
Other expenses |
|
(370) |
(356) |
(246) |
147 |
(1,094) |
(1,919) |
Insurance claims and benefits |
|
|
|
|
(6) |
|
(6) |
Allocation expense |
|
(1,262) |
(359) |
(446) |
920 |
1,147 |
|
Total expenses |
|
(2,758) |
(1,326) |
(1,289) |
(283) |
53 |
(5,603) |
|
|
|
|
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|
|
|
Profit before taxation |
|
1,306 |
1,089 |
646 |
138 |
|
3,179 |
Income tax expense |
|
(444) |
(76) |
(186) |
(28) |
|
(734) |
Net profit before minority interest |
|
862 |
1,013 |
460 |
110 |
|
2,445 |
Net profit attributable to minority interests |
|
|
6 |
|
5 |
|
11 |
Net profit attributable to shareholders |
|
862 |
1,007 |
460 |
105 |
|
2,434 |
|
|
|
|
|
|
|
|
Net revenues from external customers |
|
2,396 |
1,176 |
2,004 |
3,178 |
|
8,754 |
Net revenues internal |
|
1,668 |
1,239 |
(69) |
(2,757) |
(53) |
28 |
Net revenues |
|
4,064 |
2,415 |
1,935 |
421 |
(53) |
8,782 |
Non-cash expenses (excl. depreciation & amortisation) |
|
(32) |
(82) |
(43) |
(72) |
|
(229) |